2025-10-24T16:47:55-05:00 2024-12-31 994260840 DOEREN MAYHEW 8785 SW 165TH AVENUE SUITE 303 MIAMI FL 33193 990 2024-01-01 590291451 SUNCOAST CREDIT UNION SUNC 8009995887 PO BOX 11904 TAMPA FL 336801904 BEN LEMOINE SVP/CFO 8009995887 2025-10-23 1 0 AUBREY CLEGG P01076395 3052328272 2025-10-23 2024 2025-03-06 01:10:19Z KEVIN JOHNSON PO BOX 11904 TAMPA FL 336801904 1354524030 0 X WWW.SUNCOASTCREDITUNION.COM X 1934 FL TO IMPROVE THE QUALITY OF OUR MEMBERS' LIVES THROUGH STRENGTH, SECURITY, AND INNOVATION. 11 11 2782 12 3389272 455422 0 0 780863528 930786637 92506813 172621189 3549765 3469643 876920106 1106877469 766319 1290072 0 0 212779159 232724382 0 0 0 528786810 736845257 742332288 970859711 134587818 136017758 17403676924 17828618114 16120234324 16359358525 1283442600 1469259589 THE CREDIT UNION'S MISSION IS TO IMPROVE THE QUALITY OF OUR MEMBERS' LIVES BY MAINTAINING A STRONG, SECURE, AND INNOVATIVE CREDIT UNION THAT BUILDS TRUST, SHOWS RESPECT, AND MAXIMIZES EFFICIENCY. 0 0 THE CREDIT UNION OFFERS OUR MEMBERS A SOURCE OF CREDIT THROUGH VARIOUS TYPES OF LOANS, INCLUDING MORTGAGE, AUTO, AND PERSONAL. INTEREST RATES FOR OUR LOANS ARE COMPETITIVE IN OUR LOCAL MARKETS. THE CREDIT UNION OFFERS COMPETITIVE SAVINGS PRODUCTS TO OUR MEMBERS WITH INTEREST RATES THAT ARE MORE FAVORABLE THAN OUR LOCAL COMPETITION ON OUR INTEREST BEARING ACCOUNTS AND CERTIFICATES OF DEPOSIT. SERVICE FEES CHARGED BY THE CREDIT UNION FOR OUR PRODUCTS ARE GENERALLY LOWER THAN OUR LOCAL COMPETITION OR HAVE BEEN ELIMINATED. 0 0 0 0 0 0 0 1 0 1 0 0 0 1 1 0 1 0 0 0 0 0 0 0 0 0 1 0 1 0 1 0 0 0 0 0 0 0 0 1 1 1 0 0 1 367503 0 1 2782 1 1 1 0 0 0 0 0 0 0 X 11 11 0 0 0 0 1 1 1 1 1 0 0 1 1 1 1 1 1 1 1 0 X X BEN LEMOINE CFO 8009995887 PO BOX 11904 TAMPA FL 336801904 BRANDO FETZEK DIRECTOR 2.00 X 3196 0 0 ZAMIR L ODE IMMEDIATE POST CHAIR OF THE BOARD 2.00 1.00 X 4509 0 0 JOUNICE NEALY-BROWN VICE CHAIR OF THE BOARD 2.00 1.00 X 1137 0 0 GARY C GRESHAM CHAIR OF THE BOARD 2.00 1.00 X 0 0 0 VICTOR ARIAS 1124-112124 DIRECTOR 2.00 X 6736 0 0 ANDREA FALVEY TREASURER OF THE BOARD 2.00 1.00 X 702 0 0 MARC JOHNSON DIRECTOR 2.00 X 859 0 0 MANUEL LOPEZ DIRECTOR 2.00 X 3888 0 0 STEPHANIE MATHEWS DIRECTOR 2.00 X 1283 0 0 ROBERT JONES SECRETARY OF THE BOARD 2.00 X 3084 0 0 LORRAINE FERNANDEZ DIRECTOR 2.00 X 3729 0 0 ODALYS PRITCHARD 12524-123124 DIRECTOR 2.00 X 6906 0 0 KEVIN JOHNSON PRESIDENT/CEO 49.00 1.00 X 935808 0 51509 JULIE A RENDEROS EVP/CFO 50.00 X 145440 0 9070 BEN LEMOINE CFO 50.00 X 384348 0 32648 DARLENE JOHNSON EVP CHIEF STRATEGY & TRANSFORMATION OFFICER 49.00 1.00 X 549298 0 51542 MELVA MCKAY-BASS SVP CHIEF BUS DEV OFFICER 50.00 X 367600 0 60226 MICHAEL PARKS SVP CIO 50.00 X 374610 0 51724 JACQULYNE GILBERT SVP CRO 50.00 X 399621 0 27020 DONALD BURT SENIOR WEALTH ADVISOR 50.00 X 429731 0 46048 ROY ECHOLS VP WEALTH MANAGEMENT 40.00 X 410693 0 46528 HOSSAM NASSER WEALTH ADVISOR 40.00 X 378227 0 52798 KIMBERLY MANLEY SVP MARKETING & DIGITAL STRATEGY 40.00 X 351634 0 48853 JENNIFER BOLIVAR SVP MARKET DEVELOPMENT & LENDING 40.00 X 348600 0 39805 5111639 0 517771 268 0 1 0 KASS SHULER PA 1505 N FLORIDA AVE TAMPA FL 33602 LEGAL SERVICE ATTORNEY 1988683 4M BUILDING SOLUTIONS LLC 2827 CLARK AVE ST LOUIS MO 63103 JANITORIAL SERVICES 1209963 POWERHOUSE 812 S CROWLEY ROAD SUITE A CROWLEY TX 76036 LAWN MAINTENANCE 1107273 STEEMOLOGY LLC BRADLEY NEAL 10610 SWEET SAPLING ST RIVERVIEW FL 33578 BUILDING MAINTENANCE 882275 WETHERINGTON HAMILTON & HARRISON PA 812 W DR MLK JR BLVD - SUITE 101 TAMPA FL 33603 COLLECTIONS ATTORNEY 575878 218 INTEREST ON LOANS 522100 758714782 758714782 SERVICE FEES & MISC 522100 172071855 172071855 930786637 172458872 172458872 228044 147673 80371 80371 80371 222332016 25329189 222291229 25207659 40787 121530 162317 162317 UNRELATED BUSINESS INC 520000 3268139 3268139 UNRELATED BUSINESS INC 530000 121133 121133 3389272 1106877469 1103488197 3389272 0 X 1290072 3476493 176774744 9677727 29643819 13151599 949397 673255 58376 10562512 10582784 27227854 19487823 1043236 552324 366245599 20672881 2629374 LOAN LOSS 193500000 UBIT (FEDERAL AND STATE 59000 OTHER EXPENSES 37156876 FRAUD EXPENSE 19788516 25655450 970859711 245474357 255343083 1532467731 1021005688 60693432 21938325 24041924 31544965 12805745575 13347229992 44885185 52771079 363892501 184201764 178345837 179690737 1988154978 2442900478 161143599 127522679 4082427 4942843 358641879 343728245 17403676924 17828618114 201136821 136393529 17305207 27003855 1160000000 200000000 175000000 175000000 14566792296 15820961141 16120234324 16359358525 X 0 0 0 0 1283442600 1469259589 1283442600 1469259589 17403676924 17828618114 X 136017758 49920048 -120817 X X 0 1 X 1 0 0 1 X 41966180 41966180 194667249 88152877 106514372 10258335 8173034 2085301 117000737 87875853 29124884 179690737 MEMBER DEPOSITS 15805143283 DIVIDENDS PAYABLE 1580881 OTHER LIABILITIES 14236977 15820961141 X PART IV, LINE 2B: THE CREDIT UNION HOLDS ESCROWED FUNDS FOR THE PAYMENT OF PROPERTY TAXES AND HOMEOWNERS' INSURANCE AS A SERVICE TO OUR MEMBERS WHO HAVE MORTGAGES WITH THE CREDIT UNION OR HAVE MORTGAGES SERVICED BY THE CREDIT UNION. PART X, LINE 2: INCOME TAXES THE CREDIT UNION IS EXEMPT BY STATUTE FROM FEDERAL INCOME TAXES UNDER INTERNAL REVENUE CODE (IRC) 501(C)(14). ACCORDINGLY, A PROVISION FOR INCOME TAXES HAS NOT BEEN MADE. THE CREDIT UNION ALSO WHOLLY OWNS MEMBERS TITLE AGENCY, LLC; MEMBERS INSURANCE CENTER, LLC; SUNCOAST REALTY SOLUTIONS, LLC (AND ITS WHOLLY OWNED SUBSIDIARY SUNCOAST REALTY SOLUTIONS REFERRAL, LLC); AND SUNCOAST COMMUNITY DEVELOPMENT SOLUTIONS, LLC. UNDER CURRENT INTERNAL REVENUE SERVICE (IRS) REGULATIONS, THE INCOME OF THE LLC ACCRUES TO THE OWNER, SUNCOAST CREDIT UNION, AND IS THEREFORE NOT SUBJECT TO INCOME TAX. HOWEVER, WITH THE CONVERSION TO STATE CHARTER FROM FEDERAL CHARTER EFFECTIVE DECEMBER 31, 2013, THE CREDIT UNION IS SUBJECT TO THE PROVISIONS OF THE FEDERAL INCOME TAX CODE AND THE STATE OF FLORIDA'S DEPARTMENT OF REVENUE RELATED TO UNRELATED BUSINESS INCOME TAX. IN ACCORDANCE WITH FASB ACCOUNTING STANDARDS CODIFICATION (ASC) 740, INCOME TAXES, TAX POSITIONS INITIALLY NEED TO BE RECOGNIZED IN THE CONSOLIDATED FINANCIAL STATEMENTS WHEN IT IS MORE LIKELY THAN NOT THAT THE POSITIONS WILL BE SUSTAINED UPON EXAMINATION BY THE TAX AUTHORITIES. SUCH TAX POSITIONS INITIALLY AND SUBSEQUENTLY NEED TO BE MEASURED AS THE LARGEST AMOUNT OF TAX BENEFIT THAT HAS A GREATER THAN 50% LIKELIHOOD OF BEING REALIZED UPON ULTIMATE SETTLEMENT WITH THE TAX AUTHORITY ASSUMING FULL KNOWLEDGE OF THE POSITION AND RELEVANT FACTS. AS OF DECEMBER 31, 2024 AND 2023, MANAGEMENT HAS DETERMINED THAT THERE ARE NO UNCERTAIN TAX POSITIONS THAT QUALIFY FOR EITHER RECOGNITION OR DISCLOSURE IN THE CONSOLIDATED FINANCIAL STATEMENTS. 1 NATIONAL CREDIT UNION FOUNDATION 5710 MINERAL POINT ROAD MADISON WI 53705 391383650 501(C)(3) 157972 0 TO FUND PROGRAMS THAT HELP IMPROVE CONSUMER'S FINANCIAL LIVES & SUNCOAST GAC ATTENDEES ATTENDED DINNER TO SUPPORT HERB WAGNER AWARD WINNERS. SUNCOAST CU FOUNDATION 6801 E HILLSBOROUGH AVE TAMPA FL 33610 593037324 501(C)(3) 264944 0 FUNDING EDUCATION & MEDICAL NEEDS OF CHILDREN IN FLORIDA. TAMPA BAY AREA CREDIT UNION FOR KIDS INC 6801 E HILLSBOROUGH AVE TAMPA FL 33610 203068168 501(C)(3) 50000 0 TO RAISE FUNDS FOR THE AUTISM CENTER AT ALL CHILDREN'S HOSPITAL. LEAGUE OF SOUTHEASTERN CU 3692 COOLIDGE COURT TALLAHASSEE FL 32311 592252733 501(C)(3) 49157 0 TO PROVIDE ASSISTANCE TO SMALLER CREDIT UNIONS. WORLD WIDE FOUNDATION FOR CU PO BOX 2982 MADISON WI 53701 396093210 501(C)(3) 15000 0 TO CREATE LONG LASTING OPPORTUNITIES FOR THE WORLD'S WORKING POOR. TAMPA BAY ECONOMIC PROSPERITY FOUNDATION 101 E KENNEDY BLVD STE 1750 TAMPA FL 33602 832026345 501(C)(3) 20817 0 TO CONDUCT RESEARCH AND EDUCATE OUR COMMUNITY ABOUT ISSUES THAT AFFECT JOB CREATION AND ECONOMIC OPPORTUNITY IN TAMPA BAY. AMERICAN RED CROSS OF CENTRAL FLORIDA 3310 WEST MAIN STREET TAMPA FL 33610 530196605 501(C)(3) 250000 0 TO PROVIDE ASSISTANCE FOR HURRICANE HELENE AND MILTON. CU AWARENESS LLC 5710 MINERAL POINT ROAD MADISON WI 53705 842635576 501(C)(6) 85000 0 TO PROVIDE ASSISTANCE TO CREDIT UNIONS TO GET THE ATTENTION AND CONSIDERATION THEY DESERVE. PARTNERSHIP FOR STRONG FAMILIES INC 5950 NW 1ST PLACE SUITE 300 GAINESVILLE FL 32607 030423150 501(C)(3) 100000 0 TO PROVIDE ASSISTANCE FOR HURRICANE HELENE AND MILTON. FEEDING AMERICA TAMPA BAY INC 4702 TRANSPORT DRIVE 6 TAMPA FL 33605 592116576 501(C)(3) 79627 0 TO PROVIDE ASSISTANCE FOR HURRICANE HELENE AND MILTON. UNITED WAY SUNCOAST 4925 INDEPENDENCE PARKWAY SUITE 120 TAMPA FL 33634 593725701 C CORPORATION 75000 0 TO PROVIDE ASSISTANCE FOR HURRICANE HELENE AND MILTON. KEEP TAMPA BAY BEAUTIFUL INC 730 WEST EMMA STREET TAMPA FL 33603 593150612 501(C)(3) 50000 0 TO PROVIDE FREE TREES TO LOW-INCOME NEIGHBORHOODS. THE SCHOOL DISTRICT OF OSCEOLA COUNTY FL 817 BILL BECK BLVD KISSIMMEE FL 34744 596000779 501(C)(3) 19800 0 TO PROVIDE ASSISTANCE TO PUBLIC SCHOOLS AND TEACHERS. HILLSBOROUGH ORGANIZATION FOR PROGRESS AND EQUALITY 5103 N CENTRAL AVE TAMPA FL 33603 592914463 501(C)(3) 10000 0 TO PROVIDE ASSISTANCE TO EDUCATE CONSUMERS ON AFFORDABLE HOUSING, ACCESS TO MENTAL HEALTH, REDUCE ARRESTS OF CHILDREN AND ENVIRONMENTAL SUSTAINABILITY TO LOW INCOME FAMILIES. CENTRAL FLORIDA BASKETBALL PARTNERS LLC 400 W CHURCH ST SUITE 250 ORLANDO FL 32801 384030668 LLC 10455 0 TO PROVIDE ASSISTANCE WITH HISPANIC HERITAGE NIGHT WHICH WILL EDUCATE THE COMMUNITY WITH LATIN DANCE, FOODS AND MUSIC. TOWN OF HORSESHOE BEACH PO BOX 86 HORSESHOE BEACH FL 32648 591654566 501(C)(3) 10000 0 TO PROVIDE ASSISTANCE FOR HURRICANE HELEN AND MILTON. UNITED WAY OF CENTRAL FLORIDA PO BOX 1357 HIGHLAND CITY FL 33846 592116280 C CORPORATION 7500 0 TO PROVIDE ASSISTANCE FOR HURRICANE HELEN AND MILTON. HUMANE SOCIETY OF TAMPA BAY INC 3607 N ARMENIA AVE TAMPA FL 33607 590799907 501(C)(3) 7400 0 TO PROVIDE ASSISTANCE TO HELP WITH THE CARE OF ANIMALS. PINELLAS CO SHERIFFS POLICE ATHLETIC LEAGUE 3755 46TH AVE ST PETERSBURG FL 33714 593760782 C CORPORATION 5900 0 TO PROVIDE ASSISTANCE TO YOUNG PEOPLE WITH MENTORING, NUTRITIOUS MEALS, ACADEMIC SUPPORT, ARTS AND SUPPORT. HARDEE HELP CENTER 713 EAST BAY STREET WAUCHULA FL 33873 592993242 501(C)(3) 5700 0 TO PROVIDE ASSISTANCE WITH FINANCIAL NEEDS OF LOW INCOME FAMILIES. GOLISANO CHILDREN'S MUSEUM OF NAPLES INC 15080 LIVINGSTON ROAD NAPLES FL 34109 010687133 C CORPORATION 5500 0 PROVIDE A UNIQUE EDUCATIONAL EXPERIENCE TO LOW INCOME CHILDREN AND FAMILIES. 15 6 PART I, LINE 2: CONTRIBUTIONS ARE CHARITABLE IN NATURE, NOT GRANTS. X X 1 1 X X X 0 1 0 KEVIN JOHNSON PRESIDENT/CEO 802143 0 67893 0 65772 0 20751 0 30758 0 987317 0 0 0 DARLENE JOHNSON EVP CHIEF STRATEGY & TRANSFORMATION 483461 0 37019 0 28818 0 20632 0 30910 0 600840 0 0 0 DONALD BURT SENIOR WEALTH ADVISOR 54464 0 374229 0 1038 0 15448 0 30600 0 475779 0 0 0 ROY ECHOLS VP WEALTH MANAGEMENT 233316 0 171250 0 6127 0 15432 0 31096 0 457221 0 0 0 HOSSAM NASSER WEALTH ADVISOR 143636 0 233233 0 1358 0 22060 0 30738 0 431025 0 0 0 MELVA MCKAY-BASS SVP CHIEF BUS DEV OFFICER 329251 0 28668 0 9681 0 21538 0 38688 0 427826 0 0 0 JACQULYNE GILBERT SVP CRO 351334 0 28228 0 20059 0 12302 0 14718 0 426641 0 0 0 MICHAEL PARKS SVP CIO 328637 0 26700 0 19273 0 20400 0 31324 0 426334 0 0 0 BEN LEMOINE CFO 279152 0 0 0 105196 0 4154 0 28494 0 416996 0 0 0 KIMBERLY MANLEY SVP MARKETING & DIGITAL STRATEGY 320800 0 22317 0 8517 0 16875 0 31978 0 400487 0 0 0 JENNIFER BOLIVAR SVP MARKET DEVELOPMENT & LENDING 323037 0 22508 0 3055 0 21062 0 18743 0 388405 0 0 0 JULIE A RENDEROS EVP/CFO 66360 0 39381 0 39699 0 4080 0 4990 0 154510 0 0 0 PART I, LINE 1A TRAVEL FOR COMPANIONS AND SPOUSES: INCLUDES SPOUSE TRAVEL FOR BOARD OF DIRECTORS MEMBERS AND EXECUTIVE LEVEL EMPLOYEES; ALL OF WHICH IS TAXABLE COMPENSATION. PART I, LINE 4B 457(B) NON-QUALIFIED DEFERRED-COMPENSATION PLAN - SUNCOAST CREDIT UNION ALLOWS ELIGIBLE HIGHLY COMPENSATED EMPLOYEES TO DEFER A SPECIFIC AMOUNT OF EARNED AND PAID WAGES; ALL OF WHICH IS UNDER PRE-TAX INCOME FOR INVESTMENT TOWARDS RETIREMENT. PARTICIPATING EMPLOYEES DO NOT PAY CURRENT FEDERAL INCOME TAXES ON THE AMOUNTS DEFERRED. THE DEFERRED AMOUNTS, PLUS EARNINGS, ARE PAID TO THE EXECUTIVE AT A LATER DATE, USUALLY WHEN THEY RETIRE AND ARE POSSIBLY IN A LOWER TAX BRACKET. THE CREDIT UNION DOES NOT CONTRIBUTE TO THIS BENEFIT PLAN AT THIS TIME. THE EMPLOYER OWNS THE FUNDING ACCOUNT WITH AN AGREEMENT TO PAY THE PROCEEDS TO THE EMPLOYEE WHEN THEY LEAVE THE COMPANY. PARTICIPANTS ARE 100% VESTED AT ALL TIMES. THE AGGREGATE BENEFIT PAYABLE TO ALL PARTICIPATING EMPLOYEES APPROXIMATED $2,083,00 AS OF DECEMBER 31, 2024. PARTICIPANTS INCLUDED KEVIN JOHNSON (CEO), JULIE A. RENDEROS (EVP/CFO), JACQULYNE GILBERT (SVP/CRO), AND MELVA MCKAY-BASS (SVP/ CHIEF BUS DEV OFFICER). COLLATERAL ASSIGNMENT SPLIT DOLLAR AGREEMENT - THE CREDIT UNION ESTABLISHED POST-RETIREMENT BENEFIT PLANS FOR THE CEO, EVP/CFO, EVP/CHIEF STRATEGY & TRANSFORMATION OFFICER, AND CFO KNOWN AS COLLATERAL ASSIGNMENT SPLIT DOLLAR AGREEMENTS. TO FACILITATE THE BENEFIT PLAN, THE CREDIT UNION ISSUED EACH EXECUTIVE A PROMISSORY NOTE FOR THE PURPOSE OF PURCHASING TWO LIFE INSURANCE POLICIES. THE PURPOSE OF THE FIRST POLICY IS TO REPAY THE EXECUTIVE'S LOAN BALANCE, PLUS ACCRUED INTEREST, UPON EACH EXECUTIVE'S DEATH. THE SECOND POLICY PROVIDES FOR FUTURE POLICY LOANS AND DEATH BENEFIT PROTECTION FOR THE EXECUTIVES. THAT IS, PER THE CONTRACTUAL AGREEMENT, THE EXECUTIVES MAY BORROW FUNDS FROM THE CASH SURRENDER VALUE OF THE BENEFIT POLICY TO SUPPLEMENT RETIREMENT INCOME. THE AGGREGATE OUTSTANDING LOANS RECEIVABLE APPROXIMATED $31,545,000 AS OF DECEMBER 31, 2024. KEVIN JOHNSON CEO TO FUND LIFE INSURANCE PREMIUMS ASSOCIATED WITH CASD X 14200000 16256680 0 1 1 JULIE RENDEROS EVP/CFO TO FUND LIFE INSURANCE PREMIUMS ASSOCIATED WITH CASD X 3304562 3499436 0 1 1 DARLENE JOHNSON EVP CHIEF STRATEGY & TRANSFORMATION OFFICER TO FUND LIFE INSURANCE PREMIUMS ASSOCIATED WITH CASD X 4600000 4763216 0 1 1 BEN LEMOINE CFO TO FUND LIFE INSURANCE PREMIUMS ASSOCIATED WITH CASD X 6654090 7025633 0 1 1 31544965 FORM 990, PART VI, SECTION A, LINE 6 THE CREDIT UNION IS OWNED BY ITS MEMBERS. FORM 990, PART VI, SECTION A, LINE 7A ALL MEMBERS HAVE THE RIGHT TO VOTE TO ELECT THE BOARD OF DIRECTORS. FORM 990, PART VI, SECTION A, LINE 7B A VOTE BY THE MEMBERS IS REQUIRED FOR CHANGES TO THE CREDIT UNION'S CHARTER. FORM 990, PART VI, SECTION B, LINE 11B THE FORM 990 IS REVIEWED BY SENIOR STAFF AND BY THE BOARD OF DIRECTORS PRIOR TO FILING. FORM 990, PART VI, SECTION B, LINE 12C THE BOARD OF DIRECTORS DISCLOSES ANNUALLY ANY INTERESTS THAT COULD BE CONSIDERED CONFLICTS AND ARE REQUIRED TO MAKE UPDATES IF THERE ARE ANY CHANGES TO THE ANNUAL STATEMENT. FORM 990, PART VI, SECTION B, LINE 15 A COMPARATIVE REVIEW OF THE CEO'S SALARY IS PERFORMED USING THE CUNA CEO SALARY SURVEY AND MCLAGAN SALARY SURVEY DATA AND IS THEN REVIEWED AND APPROVED BY THE SUNCOAST EXECUTIVE BOARD AND FULL BOARD. THE CEO APPROVES ALL OFFICERS AND KEY EMPLOYEE SALARIES. COMPARABLE SALARY DATA FOR EMPLOYEES IS PROVIDED BY PAYFACTORS AND MCLAGAN SALARY SURVEY DATA AND IS REVIEWED BY SENIOR STAFF. MERIT INCREASES ARE BASED ON PERFORMANCE RATINGS. MARKET SALARY ADJUSTMENTS ARE BASED ON MARKET CONDITIONS, USING COMPA RATIO, TIME WITH SUNCOAST CREDIT UNION AND TIME IN THE ROLE. FORM 990, PART VI, SECTION C, LINE 18 FORM 990 IS AVAILABLE THROUGH PUBLIC WEBSITES SUCH AS GUIDESTAR.ORG AND IRS.GOV. FORM 990, PART VI, SECTION C, LINE 19 FINANCIAL STATEMENTS ARE UPDATED MONTHLY AND DISPLAYED ON THE LOBBY MONITORS IN ALL BRANCHES, WITH AN ANNUAL REPORT AVAILABLE AT THE ANNUAL MEMBER MEETING AND ON THE SUNCOAST CREDIT UNION WEBSITE. QUARTERLY FINANCIAL DATA IS ALSO AVAILABLE ON THE NCUA'S WEBSITE. THE ORGANIZATION DOES NOT DISCLOSE THEIR GOVERNING DOCUMENTS OR CONFLICT OF INTEREST POLICY. FORM 990, PART IX, LINE 24E CREDIT CARD & REWARD FEES 17,119,095. ATM FEES 5,478,284. MORTGAGE FEES 2,687,680. MISC EXPENSE 370,391. FORM 990, PART XI, LINE 9: NET CHANGE IN FLOOR CASH FLOW HEDGES -120,817. FORM 990, PART XII, LINE 2C THERE WERE NO CHANGES IN THE PROCESS OF THE COMMITTEE THAT ASSUMES RESPONSIBILITY OF THE OVERSIGHT OF THE AUDIT AND SELECTION OF THE INDEPENDENT AUDITOR. MEMBERS TITLE AGENCY LLC 6810 E HILLSBOROUGH AVE TAMPA FL 33610 593673450 TITLE INSURANCE FL 2302408 25889162 SUNCOAST CREDIT UNION MEMBERS INSURANCE CENTER LLC 6810 E HILLSBOROUGH AVE TAMPA FL 33610 201399753 INSURANCE FL 14646934 99297408 SUNCOAST CREDIT UNION SUNCOAST REALTY SOLUTION LLC 6810 E HILLSBOROUGH AVE TAMPA FL 33610 475609072 REAL ESTATE FL 413230 771586 SUNCOAST CREDIT UNION SUNCOAST REALTY SOLUTIONS REFERRAL LLC 6810 E HILLSBOROUGH AVE TAMPA FL 33610 831075751 REAL ESTATE REFFERRAL SERVICE FL 0 10649 SUNCOAST CREDIT UNION SUNCOAST CREDIT UNION FOUNDATION 6801 E HILLSBOROUGH AVE TAMPA FL 33610 593037324 FUNDRAISING, CHARITABLE CONTRIBUTIONS, AND AWARDING SCHOARSHIPS FL 501(C)(3) LINE 10 SUNCOAST CREDIT UNION 0 0 1 0 0 0 0 0 0 0 0 0 1 0 1 1 0 0 0 0 SUNCOAST CREDIT UNION FOUNDATION B 264944 ACTUAL CASH CONTRIBUTION SUNCOAST CREDIT UNION FOUNDATION O 176081 ACTUAL COMPENSATION